{"id":168149,"date":"2018-06-13T14:59:41","date_gmt":"2018-06-13T18:59:41","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=168149"},"modified":"2026-02-13T08:52:44","modified_gmt":"2026-02-13T08:52:44","slug":"business-balance-transfer-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-balance-transfer-card","title":{"rendered":"Compare business balance transfer credit cards"},"content":{"rendered":"<h3 id=\"learn\"><\/h3><p>Switching to a new business credit card issuer could help your company take advantage of better features or more favourable terms. However, if you\u2019re familiar with lengthy interest-free <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">balance transfer offers for your personal cards<\/a>, you might be disappointed to find that 0% balance transfer business credit card offers are few and far between.<\/p><p>The good news is that we have uncovered some business credit cards with balance transfer deals. You can compare some popular options in the table below.<\/p><p>Note that some card issuers, such as HSBC, simply state that the availability of balance transfer facilities is at their discretion.<\/p><h3 id=\"how-to-compare\">How to compare balance transfer business credit cards<\/h3><p>Here are some factors you should consider to help you find the best business credit cards with balance transfer offers.<\/p><ul class=\"list-10\"><li><strong>Balance transfer rate.<\/strong> What interest rate applies to balance transfers, and is it an ongoing rate or an introductory rate? If it&#8217;s an introductory rate, how long does it last, and what rate does it revert to?<\/li><li><strong>Balance transfer fee.<\/strong> Whether the card has a promotional introductory rate or not, there will likely be a balance transfer fee to consider. This is typically 2\u20134% of the amount that you wish to transfer. Take both the balance transfer fee and the rate into account to get a better idea of how much you\u2019ll pay overall.<\/li><li><strong>Balance transfer limit.<\/strong> You\u2019ll typically be able to transfer up to a maximum of 90% or 95% of your credit limit. This is known as the card\u2019s balance transfer limit. The credit limit that you are offered will be tailored to your business, taking into account factors like turnover, credit rating and years trading.<\/li><li><strong>Fees and charges.<\/strong>Most business cards come with an annual or monthly fee, which can be higher the more cardholders you have or if the card is rewards heavy. In some cases this fee is waived in the first year.<\/li><li><strong>Features and benefits.<\/strong> What do you want from the card? Reward points, or just a 0% period to help you manage your cash flow? Think about your company spending habits, and how the card(s) you\u2019re considering might help you. If your aim is to shift exisiting debt, a card that incentivises further spending might not be the right one for your business. <\/li><li><strong>Eligibility.<\/strong> Some cards are aimed at small businesses, for example, while some are only available to companies with a certain turnover. Check the card issuer\u2019s eligibility criteria before you apply.<\/li><\/ul><h3 id=\"pros_and_cons_of_business_balance_transfer_credit_cards\">Pros and cons of business balance transfer credit cards<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li><b>Could save your business money.<\/b> With a low rate, you'll naturally stand to save on unnecessary interest.<\/li>\n                                    <li><b>Can simplify finances.<\/b> Transferring multiple credit card balances over to one balance transfer card can consolidate your monthly payments into just one bill.<\/li>\n                                    <li><b>Additional features and benefits.<\/b> You could enjoy travel perks, cashback rewards, analytics\/reporting and more with your new business card.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li><b>Your interest rate could be higher in the long run.<\/b> Look out for cards with a low introductory rate followed by a punishingly high standard rate.<\/li>\n                                    <li><b>Fees.<\/b> Don't forget to factor in annual\/monthly fees, balance transfer fees etc.<\/li>\n                                    <li><b>Your credit score could take a dip.<\/b> Whenever you apply for a credit card (even a business credit card), the issuer does a hard pull on your credit report, which likely causes a slight (and usually short-lived) drop in your credit score.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"how_to_choose_between_a_personal_and_business_balance_transfer_credit_card\">How to choose between a personal and business balance transfer credit card<\/h3><p>If you\u2019re looking for a balance transfer card with a low or 0% introductory rate, then you might have noticed that there are a lot more personal cards than business credit cards matching that description. There are even some that don\u2019t charge a balance transfer fee.<\/p><p>With that in mind, it might be tempting to take out a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">personal balance transfer card<\/a> and stick your outstanding business card balance on that. Plenty of people do this, particularly sole traders and those who are self-employed. However, there are a few things you should bear in mind:<\/p><ul class=\"list-10\"><li>Business credit cards tend to have higher credit limits.<\/li><li>They may come with perks, extras and\/or support for your business that personal credit cards don\u2019t have.<\/li><li>You\u2019re unlikely to be able to add as many additional cardholders with a personal credit card as you would with a business credit card.<\/li><li>The responsibility for all debt rests with the account holder, so if you use your personal card for business expenses you can end up personally liable for business debts.<\/li><li>Mixing your personal and business spending on one card can make things tricky when it comes to bookkeeping.<\/li><\/ul><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"\/>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"\/>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Can I transfer debt from a personal credit card to a business balance transfer credit card?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>Yes, if you&#8217;ve been using a personal credit card for your business and want to transfer the balance over to your new business credit card, you can. However, you generally can&#8217;t get promotional balance transfer deals when you transfer balances within the same banking group.\n        <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"how_to_manage_a_business_balance_transfer_credit_card\">How to manage a business balance transfer credit card<\/h3><p>You\u2019ve got a business balance transfer credit card. What\u2019s next? Here are a few things to keep in mind when managing your card:<\/p><ul class=\"list-10\"><li><strong>Confirm your balance transfer has been processed.<\/strong> Many business balance transfer credit cards take up to 14 days to process a balance transfer request. After 2 weeks, call your old credit card issuers to make sure they\u2019ve been paid off by your new credit card provider.<\/li><li><strong>Make timely payments.<\/strong> A lot of credit card providers allow you to sign up for direct debits, which makes paying your credit card bill one less thing on your business&#8217;s monthly to-do list.<\/li><li><strong>If possible, avoid using your card to make new purchases.<\/strong> If you got the business balance transfer credit card to pay off your business&#8217;s debt faster and more cheaply, try to avoid using the card for new purchases until after you&#8217;ve paid down the balance.<\/li><li><strong>Avoid fees.<\/strong> Many credit card providers charge late and returned payment fees, as well as fees on cash advances, foreign transactions and balance transfers. Read the terms and conditions of the credit card to understand the costs you could incur.<\/li><li><strong>Contact customer service.<\/strong> Keep an eye on your bill, and reach out to your credit card provider if you notice any problems.<\/li><\/ul><h4>A few things to consider<\/h4><p>A lot of business credit cards come with appealing rewards schemes and it can be easy to start chasing points. If your goal is to clear or significantly reduce exisiting business credit card debt, try to avoid additional borrowing or being swept up by rewards schemes. As with all credit, only borrow as much as you can afford to pay back.<\/p><h3>Bottom line<\/h3><p>A business balance transfer credit card can be useful for managing your company&#8217;s finances, but there are some traps to watch out for. Be sure to <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">compare all available options<\/a> and make the necessary calculations before deciding which card is best suited to your business.<\/p><h3 id=\"frequently_asked_questions\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can you do a balance transfer on a business credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, there are some business credit cards that allow for the transfer of an exisiting balance to a new card.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Do any of the business balance transfer cards have an annual fee?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, some do. We&#8217;ll always clarify in our tables whether or not there is an ongoing account fee to consider.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What happens if I don't pay off my balance before the end of an intro rate period?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Any balance you have remaining on your card after the introductory period ends, including the original balance transfer, reverts to a higher rate. To get the most out of your business balance transfer credit card, you should pay off your balance before the promotional period ends. The best way to do this is to avoid using your card for new purchases until after you\u2019ve paid off your old debt.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do business credit cards help your personal credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are some circumstances in which applying for and using a <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit\"> business credit card could affect your personal credit score <\/a>. However, you shouldn\u2019t rely on this as a way to boost your personal credit score. Here are 3 ways to improve your credit score:<\/p><ul class=\"list-10\"><li>Register on the electoral roll<\/li><li>Always pay your bills on time<\/li><li>Reduce existing debt.<\/li><\/ul><p>Use our full guide to find out more ways to <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">improve your credit score.<\/a><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking to improve cashflow, save interest and consolidate debt? A business balance transfer credit card could be for you.<\/p>\n","protected":false},"author":195,"featured_media":168163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2296],"tags":[],"asset_tag":[],"class_list":["post-168149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare business balance transfer credit cards | Finder UK<\/title>\n<meta name=\"description\" content=\"Looking to improve cash flow, save interest and consolidate business debt? 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